Buildings Insurance
Buildings insurance covers the cost of repairing or rebuilding the structure of your property. Garages, sheds, fences and permanent features can be included in the cover, such as the cost of replacing items such as pipes, cables, drains and fitted kitchens. It is important that your policy covers the full rebuild cost of your property, which is not the market value.
Contents Insurance
Contents insurance is designed to cover the items that within your home and are not fitted or fixed in place. It should cover the cost of replacing these possessions should they be lost, stolen or damaged. It is important to accurately assess the value of the contents in your home to ensure that the sum assured on your policy will cover the amount that would be needed to replace your possessions.
What are some of the things home insurance can protect against?
Buildings Insurance
Fire, explosion, storms, floods, earthquakes – rebuild cost
Theft, attempted theft and vandalism
Frozen and burst pipes
Fallen trees, lampposts, aerials or satellite dishes
Subsidence
Vehicle or aircraft collisions
Contents Insurance
Fire
Flood
Theft
Vandalism
Natural disasters
Is your current building and contents cover sufficient?
You should regularly review the amount your buildings and contents insurance cover as rebuild costs tend to rise over time and people often acquire more possessions, or certain possessions can increase in value.
For building insurance, some insurers offer policies that will increase the sum insured automatically in line with rebuild costs.
However, if you significantly improve your home, such as adding an extension or a loft conversion, the rebuild costs are likely to increase and you will need to make sure your sum assured covers this amount.
Why choose us?
Convenience – offering home insurance alongside our mortgage and protection services enables our clients to arrange all three with us and without the added complication of going elsewhere.
Professionalism and understanding – with over 24 years’ experience in mortgage and protection industry, we understand the value of a person’s home and the importance of having adequate insurance.
Competitive quotes - we compare policies from multiple insurers to help find you the most suitable deal for your circumstances.
Peace of mind - we help relieve the stress and potential uncertainty of arranging insurance independently and support you in being suitably protected.
Client Testimonials
"Really helpful and knowledgeable. I liked how Rachel made everything so clear and easy to understand. She is definitely working hard for you.."
Mr K, Sheffield
20/01/2026
